Black Spruce Financial wants to wish you a Merry Christmas and a Happy 2017! My wife, Lidia, and I hope… Read more about Happy Holidays From Black Spruce Financial

There is a big difference between ‘gifting’ and ‘giving’, but they can both make the biggest difference in people’s lives…. Read more about Giving and Gifting

When the topic of life insurance comes up, many people have strong opinions. For decades, conventional wisdom said to steer… Read more about Whole Life Insurance Explored

One of the reasons I founded Black Spruce Financial was to provide comprehensive financial planning for my clients. This means… Read more about Are You Covered by These Four Key Insurance Policies?